as some of you may recall last month and it's not a widely recorded story the obama administration asked the decided once again to change the product and change the name. so they decided in mid-january that they didn't want to call it health exchanges but they would now have what we call health marketplaces, marketplaces without our kit perhaps. the official explanation for this was that it was because the word exchange could not he translated into the spanish language and for the billions -- millions under the exchange they want to know what it meant, and health exchange or a health marketplace. i want to be helpful in this regard so we can at least try to provide sufficient terms for the beginning of the obamacare dictionary. it was mixture and exchange and of course now it's called an insurance marketplace. there are some other terms in law. a new suggestion translated into the spanish and i won't include my bad accent but that's a new term for it under the affordable care act, donation. another term in the law, mandate. that has been translated new and improved for hispanic and the f